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FAQs

General

Q: How much does this service cost?
A: There is currently no charge associated with the service. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for usage fees and guidelines.
Q: Is it secure?
A: Yes, the mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, PIN, or password access and application time-out when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your phone. And in the event your phone is lost or stolen, the service can be immediately disabled by logging in to Online Banking and selecting "Manage Mobile Banking Settings" or calling us.

For more information on protecting your information while using mobile devices, review these tips (Link opens in new window) from Stop, Think, Connect campaign provided by the National Cyber Security Alliance (NCSA) and the Anti-Phishing Working Group (APWG).
Q: Which wireless carriers are supported?
A: We support all the popular U.S wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon. If your carrier is not listed when you enroll, select 'Other' and try the Mobile Web option, or check back later, as new carriers will be added over time.
Q: Do I need a text message or data plan?
A: Yes, a text messaging and/or data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information.
Q: I'm not enrolled for online banking. Can I still use this?
A: You must first enroll (Link opens in new window) in online banking before using the mobile options.
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Mobile Banking

Q: What is Mobile Banking?
A: Mobile banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your phone capabilities. Both options allow you to: view account balances, search transaction history and pay bills.
Q: How do I access Mobile Banking on my phone's browser?
A: After successful activation, your phone will receive a text message with your Mobile Banking URL. You can visit the site at any time at m.thriventcu.com mobile site.
Q: How do I sign up for Mobile Banking?
A: There are three ways to sign up for Mobile Banking.
  1. Go to m.thriventcu.com and log in with your Online Banking username and password.
  2. Go to the AppStore or PlayStore and download the "Thrivent CU Mobile" app on your mobile device. After installation, open the app and log in using your Online Banking username and password.
  3. For text banking: log in to Online Banking on your computer and choose Manage Mobile Banking Settings. Enroll your mobile phone and follow the activation instructions.
Q: I activated Mobile Banking on my phone's browser. Why am I being asked to activate again?
A: At the time of activation, a "cookie" is stored on your phone's browser which allows the Mobile Banking system to remember that you activated. Some phones may require you to enable cookies or periodically erase them, requiring re-activation. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. If enabled and the issue persists, consider using an alternative mobile web browser with strong cookie support, such as Opera Mini (which can be found by visiting mini.opera.com on your phone's browser).
Q: How do I optimize my mobile web experience?
A: Ensure your phone's browser has cookies enabled.
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Mobile Deposit Service

Q. What is Thrivent Federal Credit Union's Mobile Deposit Service?
A. Mobile Deposit Service allows you to deposit checks directly into your eligible checking or savings account when enrolled in the ThriventCU Mobile Application on supported Android, Apple, and Amazon devices. Your eligible accounts will appear on your screen.
Q. Is the Mobile Deposit Service secure?
A. Yes. Your information, including your login credentials and deposit images, are not stored on the mobile device.
Q. Who is eligible for Mobile Deposit Service?
A. Eligibility is based on several criteria:
  • Thrivent Federal Credit Union members must be registered for our Online Banking services with eligible checking, share accounts, and money market accounts.
  • The Mobile Deposit Service also requires the acceptance of the Mobile Deposit Services Addendum to Online and Mobile Banking Agreement.
  • Members must be approved for service from Thrivent Federal Credit Union.
Q. How do I get Mobile Deposit Service?
A. Mobile Deposit Service is available on Android Smartphones 4.1 and up, iPhone, iPad, or iPod touch (requires iOS 7 or higher). Simply download the "ThriventCU" app for your device and the "Deposit Checks" option is included in the app.
Q. How do I use Mobile Deposit Service?
  1. Sign into the ThriventCu Mobile app
  2. In the menu select "Deposit Checks"
  3. Select the "To" account from the list
  4. Enter the dollar amount
  5. Take a picture of the front of the check
  6. Take a picture of the back of your check (endorsed "Payable to Thrivent FCU" and with your signature)
  7. Submit your deposit

For best image results:

  • Place your check on a dark surface
  • Be in a well-lit area
  • Position your camera directly over the check (not at an angle)
  • Fit all 4 corners in the guides of your mobile device's camera screen
Q. How do I endorse my check for mobile deposit?
A. Endorse the back of your check with your signature and write "Payable to Thrivent FCU".
Q. What are the deposit limits?
A. There is no limit to the number of items you can deposit. Mobile deposit limit amounts per check, per day and per month will be displayed on the screen.
Q. What types of checks can I deposit?
A. You can deposit checks payable in U.S. dollars and drawn at any U.S bank, including personal, business, and government checks. They also must be payable to, and endorsed by, the account holder or joint owners on the deposit account.
Q. What types of checks can I not deposit?
A. Unacceptable check types include:
  • Altered Checks. An altered check is any check that contains evidence of a change (correction fluid, crossed out amounts, etc.) to information on the face of the check.
  • Stale Dated Checks. State dated checks contain instructions such as: "Void after 90 days after issue date" or "must be cashed within 6 months of issue date".
  • Future Dated Check. Checks cannot be deposited until the date of the check.
  • Incomplete Items. An incomplete item is any item that does not contain signatures or is missing any of the information required.
  • Non-legible Checks. Required information, such as name of payee and amount of check, must be legible on the check.
  • Fraudulent Checks. Checks you know or suspect are fraudulent or otherwise not authorized by the owner of the account on which the check is written cannot be deposited.
  • Imaged Items. Checks that have been previously endorsed by a financial institution and imaged cannot be deposited.
  • Checks Previously Submitted for Deposit. You cannot submit a check twice for deposit.
  • Money Orders. Money orders are not eligible for deposit.
Q. What is the cut-off time for processing?
A. Cut-off time is 2:00 pm CST for same day credit. Deposits are credited on business days only. Holds may be placed on checks submitted through Mobile Deposit Service subject to the terms and conditions in the Mobile Deposit Services Addendum to Online and Mobile Banking Agreement.
Q. How will I know if my deposit is accepted or rejected?
A. You will receive an email letting you know if your deposit is accepted or rejected. Deposit history for all checks is available under "History" on your app. If your deposit is accepted, you will receive provisional credit. If your deposit is rejected, please feel free to contact us to determine why the deposit was rejected, or try depositing the check at a branch location, through the mail, or through a participating ATM.
Q. What should I do with my paper check after using the Mobile Deposit Service?
A. Securely store your check for 20 days after you receive notification that your deposit has been accepted. After the 20 days, please destroy the original check by marking it "VOID" and cross-cut shredding it.
Q. Is there a fee for using Mobile Deposit Service?
A. There is no fee for using our Mobile Deposit Service.
Q. Where can I see all of the Terms and Conditions pertaining to Mobile Deposit Service?
A. You can review, download and print the most current version of the Mobile Deposit Services Addendum to Online and Mobile Banking Agreement at any time at www.thriventcu.com.
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Text Banking

Q: What is Text Banking?
A: Text banking gives you access to your accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode.
Q: What number should I send the text commands to?
A: Text commands to 79680. Remember that standard text messaging rates apply. Check with your phone provider on your plan details and usage fees.
Q: Can I use both Text Banking and Mobile Banking on my phone?
A: Yes, you can use both options from the same phone. To do so you will need to activate each option on your phone prior to use. Text Banking | Mobile Banking
Q: How do you activate text banking on your phone?
A: To activate text banking, log in to Online Banking from a computer and select "Manage Mobile Banking settings". An activation code is required. Activation is a one-time process that helps ensure your security. After you enroll a phone, you will receive an activation text message, you will need reply to that text message with the activation code that was presented on the enrollment screen. We recommend you print your activation code and installation instructions for easy reference during installation.
Q: Is Text Banking supported on my phone?
A: Text Banking will work on any text message (SMS) capable phone from one of our supported carriers.
Q: Will I receive unsolicited text messages?
A: No. You will only receive messages when you specifically request them with one of the Text Banking commands or if you subscribe to Mobile Alerts.
Q: What are the Text Banking commands?
A: Text banking commands:
Function Command Description
Balance B Summary of available balances for all accounts
History H Summary of recent transactions per account
Command
C
List of available Text Banking commands
Help HE Help content for Text Banking
Login L Receive a URL for the ThriventCU Mobile Browser website
Recover R Receive a URL and new activation code for the ThriventCU Mobile Browser web site
Stop S De-activate all ThriventCU text services
NOTE: You can check for additional available commands by activating your phone and sending C to 79680.
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Troubleshooting

Q: I enrolled my phone number but did not receive a text message. What should I do?
A: Typically you should receive a text message within a few minutes after enrolling, however sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure you phone has wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. If you still do not receive it, contact your wireless carrier to be sure text messaging is enabled on your phone.
Q: I received an activation code but never used it. What do I do now?
A: Activation codes expire after a specific period of time (usually 24 hours). If you need a new one, return to the Manage Mobile Banking Settings area in Online Banking and request a new activation code.
Q: What happens if I get a new phone or change phone numbers?
A: If you get a new phone or change phone numbers, be sure to return to the Manage Mobile Banking Settings area in Online Banking from your PC and update your phone profile in the Mobile Banking Center. We recommend removing your old phone and re-enrolling your new phone.
Q: Can I use Mobile Banking or Text Banking on more than one phone?
A: Yes. Visit the Manage Mobile Banking Settings area in Online Banking and simply enroll and activate another phone number
Q: I activated Mobile Banking on my phone's browser. Why am I being asked to activate again?
A: At the time of activation on your phone's browser, a cookie is generated which always tells the Mobile Banking system that you activated (thus allowing you to proceed to the sign on screen). However, some mobile phones will periodically erase all cookies, requiring you to reactivate.
Q: What if my device is lost or stolen?
A: If you are concerned about misuse of your phone, contact your mobile service provider immediately to stop all wireless service. Additionally, sign on to online banking and disable or remove your phone.
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Wireless Phone Providers

ACS Wireless
Appalachian Wireless
AT&T (Centennial)
Bluegrass
Cincinnati Bell
Cellcom
Cellular One
Cellular South
Chat Mobility
East Kentucky Network
Cellular One of East Central IL
Cox Wireless
Cricket
Digicel
Dobson
Docomo Pacific
East Kentucky Network
Element Mobile
Epic Touch
Golden State Cellular
GuamCel
GCI Communications
Immix Wireless

Inland Cellular
iWireless
Metro PCS
MTPCS Cellular
Next-Tech Wireless
nTelos
Plateau Wireless
Pulse Mobile (GTA Wireless/Teleguam)
Revol Wireless
Rural Cellular Corp
Samoa Tel
Sprint
Syringa Wireless
Thumb Cellular
T-Mobile
Union Wireless
United
U.S. Cellular
Viaero Wireless
Verizon Wireless
VirginMobile
West Central (WCC)